IMMO DECO
ActiveIMMO DECO has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €336k and a net result of €27k. Equity is growing by ~2.9% per year across the filed fiscal years. Its solvency ranks better than 86% of 4472 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability68▲+21
Solvency100▲+14
Growth58▼-20
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity short (current ratio 0.37 against 4.48 in 2024; short-term debt: 18.4% and cash: 5.4% of total assets), and 21.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 81
Relative position
BE, all sectors
reference
Sector 81
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
78.3%
Return on assets
6.3%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-06-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
35 d early
2023
49 d early
2022
24 d early
2021
16 d early
2020
47 d early
2019
115 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€336k▼ 34.0%
2024 · €509k
2018: €429k
2019: €420k
2020: €419k
2021: €445k
2022: €471k
2023: €485k
2024: €509k
2018 → 2025
Total assets
€429k▼ 48.3%
2024 · €831k
2018: €721k
2019: €702k
2020: €705k
2021: €717k
2022: €752k
2023: €791k
2024: €831k
2018 → 2025
Net result
€27k▲ 11.2%
2024 · €24k
2018: €7k
2019: €-10k
2020: €-519
2021: €26k
2022: €26k
2023: €14k
2024: €24k
2018 → 2025
Working capital
€-49k
2024 · €337k
2018: €82k
2019: €105k
2020: €132k
2021: €185k
2022: €238k
2023: €283k
2024: €337k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€445k-€471k▲ 5.9%€485k▲ 2.9%€509k▲ 5.0%€336k▼ 34.0%
Operating result€43k-€47k▲ 7.1%€25k▼ 45.5%€42k▲ 66.3%€39k▼ 6.9%
Net result€26k-€26k▼ 0.1%€14k▼ 47.2%€24k▲ 75.7%€27k▲ 11.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 7% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €429k
Fixed assets
€400k▲ 0.6%
Current assets
€30k▼ 93.2%
Equity and liabilities €429k
Equity
€336k▼ 34.0%
Debt
€93k▼ 71.1%
The debt ratio falls from 38.7% to 21.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€63k▼
2024 · €66k
Cash flow
€50k▲
2024 · €48k
Solvency
78.3%▲
2024 · 61.3%
Current ratio
0.37▼
2024 · 4.48
Quick ratio
0.37▼
2024 · 4.48
Debt / equity
0.28▼
2024 · 0.63
ROE
8.0%▲
2024 · 4.8%
ROA
6.3%▲
2024 · 2.9%
Interest coverage
5.01▲
2024 · 2.90
Debt
€93k▼
2024 · €321k
Debt ≤ 1 year
€79k▼
2024 · €97k
Debt > 1 year
€2k▼
2024 · €202k
Income taxes
€8k▲
2024 · €7k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€831k€429k▼
Fixed assets21/28€397k€400k▲
Tangible fixed assets22/27€397k€400k▲
Land and buildings22€397k€400k▲
Current assets29/58€433k€30k▼
Amounts receivable within one year40/41€2k€5k▲
Trade receivables40€96€0▼
Other amounts receivable41€2k€5k▲
Current investments50/53€415k€0▼
Cash at bank and in hand54/58€13k€23k▲
Deferred charges and accrued income490/1€3k€1k▼
Equity and liabilities
Total equity and liabilities10/49€831k€429k▼
Equity10/15€509k€336k▼
Contributions10/11€367k€167k▼
Reserves13€15k€25k▲
Tax-exempt reserves132€11k€21k▲
Distributable reserves133€4k€4k=
Profit (loss) carried forward14€128k€144k▲
Amounts payable17/49€321k€93k▼
Amounts payable after more than one year17€202k€2k▼
Financial debts170/4€200k€0▼
Other amounts payable178/9€2k€2k=
Amounts payable within one year42/48€97k€79k▼
Trade debts44€0€988▲
Suppliers440/4€0€988▲
Taxes, remuneration and social security45€6k€19k▲
Taxes450/3€6k€19k▲
Other amounts payable47/48€90k€59k▼
Accrued charges and deferred income492/3€23k€12k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€23k▼
Other operating charges640/8€3k€3k▲
Gross operating margin9900€69k€65k▼
Operating profit (loss)9901€42k€39k▼
Financial income75/76B€12k€8k▼
Recurring financial income75€12k€8k▼
Financial charges65/66B€23k€12k▼
Recurring financial charges65€23k€12k▼
Profit (loss) for the period before taxes9903€31k€35k▲
Income taxes67/77€7k€8k▲
Profit (loss) for the period9904€24k€27k▲
Transfer to tax-exempt reserves689€11k€11k=
Profit (loss) for the period to be appropriated9905€14k€16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€128k€144k▲
Profit (loss) brought forward from the previous period14P€114k€128k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €27k ▲11.2%
Net result €27k, the highest in the series.
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €500kEq €509k ▲5%
4 profitable years in a row build equity to €509k.
12-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
15-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €26k
Net result €26k after 2 loss-making years.
14-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
23-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 115 days late
2019
31-12
Financial
Weakest financial yearnet €-10k ▼245%
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
14-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
04-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
06-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Tielt · 1 establishment unit since 2004
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Pittemsesteenweg 178700 TieltGround area
746 m²
Building footprint
139 m²
Volume, LiDAR
862 m³
Parcel 37015A1002/00N004, Flanders · tallest building 10.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Immo Deco
since 20042.135.760.054
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37015A1002/00N004 | Flanders | 746 m² | 1 · 139 m² | 10.1 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 1,280 companies in sector 81100 we hold annual accounts for 677. 461 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-12-2003
Fiscal year end31-12
Activities, NACEBEL
74151
81100Combined facilities support activities
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.